In your world, we would need to have higher insurance rates for people who like the freedom of not wearing a seatbelt and who thus have bigger payouts when an accident does occur.
The rest of us should not have to pay for your freedom to live dangerously .

The rest of us should not have to pay for your freedom to live dangerously.

Amen! We can go after the motorcycles next. Then the smokers. Oh wait we are already doing that. Then the eaters of un-healthy foods. Then those that do not exercise at least 3 days a week for an hour at a time. Then those that don't get enough sleep. Then those that sit too close to the T.V. Then those that don't wear helmets in the tub. What a great country we will finally have!

In your world, we would need to have higher insurance rates for people who like the freedom of not wearing a seatbelt and who thus have bigger payouts when an accident does occur. The rest of us should not have to pay for your freedom to live dangerously .

I have no problem with insurance companies charging a higher premium for risk takers.

I do have a problem with insurance company lobbyists writing our laws.

I personally like the New Hampshire attitude, where signs on the roads entering the state say (approximately),"If you're under 18 buckle up. It's the law. If you're over 18, have a nice day."